my debt diary....(yeslek)

yeslek

James240 wrote:

If u have any excess money spare even from ur student loan i would certainly put it towards paying these off quicker how much do u reckon u will have left over from ur student loan?

about £500 each installment.
i will putting that towards my debt's, namely my credit cards first, then the loan

annie fanny - no no i see what your getting at, its just i had considered it an looked at it as using one debt to pay another so was put off in the past.
but it now does look like a good option.
i will go into the bank on monday an see about getting a student account (i think there's also an offer for a free ipod - could be an extra bit of cash off ebay there too. )


also managed 2 spend free days in a row - whoop, going for number three today

dont worry about being heavy handed, i prefer the honesty than the sugar coated nice approach.

yeslek

managed another spend free day today - thats at least 4 this week!!
whoop!!

tomorrow i'm gonna go in and enquire about a student account and apart from postage cost for the 'reclaiming bank charges' letters i hope for another (pretty much) no spender

Annie_Fanny

Well done yeslek. Just a little advice about the student account. It's best to go into banks near the Uni or one of the bigger branches. They are more clued up generally about student banking then the smaller branches.

Let us know how you get on!

Annie

James240

let us know how u get on Yeslek :beer: if u get the 0% overdraft u can start knocking loads off ur debt

yeslek

thanks a lot for the support guys.

went into my bank today and had to make an appointment about switching to a student account (something about being short staffed today) so i'm going in friday morning (my next day off)
i think i may have a look around at student accounts elsewhere in the time being - though i'd rather stay where i am, its easier then swapping anything over.

also sent off my letters to claim back unfair bank charges.

just sold my old phone on ebay so thats another £57 i can throw at my halifax credit card

yeslek

well after a bit of trouble i'v finally applied for a student account with my bank - just have to wait a few days to see if i'v been accepted.
fingers crossed

good new is that i got back my statements from barclays - they own me £240 in charges!!

i was shocked, i thought i only missed a small handful of payments.
ahh well, thats another chunk off the credit cards

now just have to wait for the halifax (who oddly, are the only ones to have taken the £10 fee from me)

Annie_Fanny

Good to hear from you again Yeslek. I hope you get the student account - will help you loads - £1500 interest free overdraft - NICE!!

James240

hey thats great Yeslek fingers crossed for u mate :beer:

yeslek

thanks for the support guys.
i'v got my fingers crossed too

it means i can clear my halifax card, my car and my pc and means i'mm be £150 better off a month

yeslek

got a letter this morning - apparently they cant confirm i'm a student and all i have is a letter with grades from last year and a welcome note for signing up next year.
i'm gonna have to wait until i get my student loan confirmation through before i can go into the bank and show them.

on the plus side of things it did sound positive that i'd get one.
fingers crossed.